It’s trilling getting a rented car, probably for a weekend getaway with your partner or family. You’re offered quite a good rate for the car, what’s even more thrilling is that you get to choose a rented car of your choice to fit your budget. After that, they worker at the shop hand you a list of rental car insurance coverage options to choose from. Apparently, people are not very conversant with how rental car insurance works and it is very easy to get it twisted especially if you have little or no idea of what rental car insurance is.
Here we will give you some basic information you should know about rental car insurance.
Do you really need to get insurance coverage for your rented car?
You may be nonchalant when it comes to making a choice to get rental car insurance. After all, you won’t be using the car for a long time. While this is true, you also want to make sure your car is in good hands if the unexpected should happen, but on the other hand, you don’t want to pay extra funds for renting the car. In our opinion, getting insurance coverage for your rental car is very important. Because if a damage should happen while you’re driving your rented car and you do not have rental car insurance bear in mind that all repair bills will be funded by you.
How do you know if you need rental car insurance coverage?
To be well informed, you’d need to check your insurance policy or call your insurance coverage provider. You can contact us on 1-866-660-644 to let you know if your auto insurance coverage has rental car coverage Included in it, so don’t pay extra money for rental car insurance coverage.
Also bear in mind that if you are renting a car of a lower or same value as your main car, the auto insurance policy you own should be efficient enough for you. But on the other hand, if you’re renting a more expensive car like the Ferrari for instance, you will need to get extra rental insurance coverage for that car just in case something bad happens to it in the course of your vacation or whatever you’ll be using the car for.
What does the rental car insurance cover?
Before you proceed to a rental company to get a rented car for your self, make sure that you know the policy of the rental company. Go through the auto insurance policy you already have to determine if it covers rented cars so you can politely decline any offers the rental company may offer you.
A rental car insurance is divided into the following
- Personal accident insurance
- Liability insurance coverage
- Personal effects coverage
- Collision damage coverage
However, your auto insurance coverage may already cover the liability insurance and personal accident insurance. If your auto insurance is adequate enough to cover these insurance, you can skip these options and move to the next.
Your auto insurance coverage is likely not to cover the collision damage coverage and the personal effects coverage which you may then need to acquire moving forward.
The personal effects coverage covers for lost or damaged personal items as a result of car accidents or theft. On the other hand, the collision damage coverage takes car of all the bills a damaged rental car needs to repair the vehicle.
However, be sure that you have gone through your auto insurance policy before you decline or accept any of the rental car coverage offered to you.
To learn more about rental car insurance and what your auto insurance policy covers, call us at, or if you are looking to get an extended car warranty package, compare the packages we offer and fill out afree quote.